Why choose us

We work with specialist surgeons to tailor our benefits to suit you. Our secure contracts are underwritten by Lloyd's of London Syndicates. Get a quick quote for medical indemnity insurance online.

Contract of insurance

Secure contract of insurance underwritten by Lloyd's of London.

Online application, quote and purchase

You can now apply and buy online 24 hours a day, 365 days a year.

Online learning

Earn CPD points via our online portal - coming soon!

£40m aggregate limit of indemnity

Highest individual contractual aggregate limit in the market.

Instant documentation

Certificate and Policy instantly available on purchase and held in our online membership area.

Cover your clinic

Clinics established solely for fiscal reasons are automatically covered.

Medico-legal advice 24/7

Advice and assistance from medically and legally qualified staff.

Comprehensive cover

Our policy wording has been written specifically for surgeons and, as far as we are aware, is the widest cover available.

Risk management

A wealth of risk management information is available to all of our members via our online portal.

21 years extended reporting period.

Run-off cover can be triggered in the event of your death, permanent disablement or retirement, at no additional costs, from day one.

Court attendance costs

A daily cap of £500 for any day, or part-day, that you spend attending a hearing before a court, tribunal, review board or committee

Maternity, paternity and adoption leave.

Up to 12 months extended reporting period available

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What you need to know about Medical Indemnity

What Medical Indemnity Insurance Covers

Medical Indemnity insurance is there to protect you against an accusation that your medical professional services caused physical or mental harm, injury or death, to a patient.

 

Incision’s policy will cover you in respect of claims of alleged medical malpractice arising from the medical and professional services that you provide to patients outside of the work you perform for the National Health Service.

 

The core of Incision’s policy covers you for Medical Professional Liability, Professional Indemnity (i.e. aspects of your work where a patient is not directly involved), Public Liability, Cyber Liability and Commercial Legal Protection (in respect of costs arising from General Medical Council (GMC), disciplinary and coronial hearings or inquiries).

 

However, your Incision policy will also cover you for your liability arising from Good Samaritan and/or Good Neighbour Acts, court attendance costs and payments for public relations expenses, where a claimant defames you in a public forum.

 

Your Incision policy also contractually provides a 21-year Extended Reporting Period (ERP), sometimes called Run Off, which is triggered (without incurring additional costs) on the expiry of your policy in the event of death, permanent disablement or retirement.

Medical Indemnity vs Medical Malpractice Insurance

Ostensibly, there is very little difference between Medical Indemnity and Medical Malpractice.

 

The intention regarding cover is the same (i) to protect doctors from medical malpractice claims (or clinical negligence claims) made by patients unhappy with their treatment and (ii) to defend your right to practice at GMC hearings, disciplinary procedures, inquests and fatal accident inquiries.

 

Incision’s Medical Malpractice (or Medical Indemnity) insurers will defend allegations made against you, or your practice, and will indemnify awards for damages and associated defence costs and expenses.

 

When compensating individuals who have suffered injury as a result of medical malpractice, it is a long-standing principle of indemnity that, under English law, a claimant should, as nearly as possible, be put back in the position as if the negligence had not occurred.

 

There are two types of damages in a medical malpractice case (i) general damages representing physical and psychological injuries and (ii) special damages representing financial losses.

The difference between discretionary & contractual indemnity?

Discretionary indemnity provided under a membership agreement, usually by one of the medical defence organisations (MDOs), means just that, it’s discretionary. Simply put, there is no guarantee that discretionary indemnity will pay out.

 

However, contractual Medical Indemnity, provided by Incision’s insurers, is guaranteed cover (within the terms of the policy) and is enforceable by law. Contractual Medical Indemnity provides details of the cover in black and white; discretionary does not.

 

Unlike discretionary indemnity providers, insurers are regulated by the Financial Conduct Authority (FCA), which gives greater all-round financial security and certainty about the level of protection, with rights of recourse. The FCA requires that (i) you are treated fairly, (ii) there’s a formal complaints service (iii) the insurer has adequate funds to pay claims (iv) you have access to the Financial Ombudsman Scheme if you have a dispute with insurers and (v) you have access to the Financial Services Compensation Scheme if an insurer should fail, which would be a very rare event.

 

There is further protection via legislation, which may entitle you to make a direct claim against the insurer, which is not available with discretionary schemes.

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£7.23bn

Limits issued to policyholders in 2017

 

Retention rate every year

 

>1200

Claims handled since 2010

 

Our policy explained

Thinking of moving to Incision? Here's what you need to know.

Claims Occurrence vs Claims Made

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What is Run Off Cover?

Find out what happens to your cover if you retire, die or become permanently disabled.

News & resources

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